Insurance Services

The policy provides a broad range of standard coverage as well as a variety of optional coverage to customize protection to fit your farming operation.

Coverage

Public Liability – Protection against claims of negligence arising from your farming operations, use of premises, or personal acts.

Physical Damage to Property of Others – Pays for damages to property you borrow, such as farm machinery.

Medical Payments to Public – Pays for accidental injury to the public on your premises, by your livestock, or your farming operations or personal acts.

Medical Payments to Farm Employees – Covers medical expenses for accidental injury suffered by your farm employees while on the job, even if you are not at fault.

Automatic Coverage

• Coverage for losses arising out of custom farming or feeding when receipts total less than $2,000.
• Protection from losses arising from business pursuits when receipts total less than $2,000.
• Property damage protection for accidental spray drifts of farm chemicals when applied by any means other than aircraft.
• Contractual liability relating to the farming operations, goods or products or residence premises.
• Pollution coverage for losses caused by windstorm, accidental collision, overturn or breakage.

Optional Coverage

• Custom Farming*
• Custom Feeding*
• Residential Rental Property
• Additional Insured
• Business Activities*
• Employee Occupational Liability
• Contractual Liability
• Home Day Care
• Waterbed Liability
• Personal Injury
• Additional Premises
• Medical Payments — Named Persons
• Hunting and Fishing
• Milk Contamination

*When above $2,000 in receipts

What Will It Do for Me?

Renters Insurance offers both liability coverage for you and your family and coverage for your personal property (both inside and outside your apartment).

I Don’t Own That Much!

You may not think it’s important to have insurance after all; it’s not like you own the building!

But imagine these scenarios:

• An electrical surge fries your computer, television and stereo.
• Thieves clean out your apartment while you are on vacation.
• Someone trips over a power cord in your apartment and is injured.
• The building catches fire and your belongings are lost due to water, smoke and fire damage.
• You have to pay for a hotel room following the fire until your landlord fixes your apartment.

This list doesn’t begin to elaborate on the possibilities for disaster – the list goes on and on! And as we’ve all discovered, you can never discount such crazy-sounding possibilities. Life is often stranger than fiction!

Other Advantages

The best news is: Renters Insurance is very affordable! For a few dollars a month, you can get coverage for you and your property. You may even quality for discounts! In addition, building up a history of being insured is comparable to building a credit history. When you go to buy homeowner’s insurance, it may be easier and cheaper if you are a “long-time” insured.

Call for coverage today!

Personal Liability Protection

Public Liability

• Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts.

Medical Payments

• Provides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises.

Damage to Property of Others

• Covers property damage to property of others which you borrow or use.

Optional Property Coverage

• Incidental Business Activities
• Business Pursuits
• Home Day Care Provider
• Incidental Agricultural Activities
• Contractual Liability
• Waterbed
• Additional Insured
• Additional Premises